Please read this Disclaimer carefully before using secregisteredloanapp.com (the “Website”). By accessing or using this Website, you agree to be bound by the terms and conditions set forth below.
General Informational Purposes Only
The content provided on secregisteredloanapp.com is for general informational and educational purposes only. While we strive to provide accurate and up-to-date reviews of mobile loan applications in the Philippines, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the Website.
Not a Lending Entity or Financial Advisor
secregisteredloanapp.com is NOT a bank, a licensed lending company, or a financing company.
-
We do not provide loans or credit facilities.
-
We do not process loan applications or collect payments.
-
We do not act as an agent or representative for any financial institution. The content on this Website does not constitute financial, legal, or professional advice. You should always perform your own due diligence and consult with a certified financial advisor before committing to any loan agreement.
Verification of SEC Registration & CA Numbers
We focus on reviewing apps that claim to be SEC-registered. However, the status of a company’s SEC Registration Number and Certificate of Authority (CA) can be revoked or suspended by the Securities and Exchange Commission (SEC) Philippines at any time.
-
We strongly advise all users to cross-check the legitimacy of any lending app via the Official SEC Philippines List of Licensed Lending/Financing Companies.
-
We are not liable for any financial losses resulting from transactions with companies whose licenses have changed status after our review was published.
Truth in Lending Act Compliance (RA 3765)
In accordance with the Truth in Lending Act of the Philippines, we encourage all users to demand full disclosure of loan terms from lenders, including:
-
Effective Interest Rate (EIR): The true cost of the loan including all fees.
-
Non-Interest Charges: Processing fees, service fees, and administrative costs.
-
Late Payment Penalties: Any additional charges for delayed repayments. secregisteredloanapp.com is not responsible for any “hidden charges” or “unfair interest rates” imposed by third-party loan apps.
Data Privacy & Harassment Warning (RA 10173)
We are committed to the Data Privacy Act of 2012. However, please be aware that:
-
Many “Online Lending Apps” (OLAs) may request access to your contacts, gallery, and location.
-
We do not endorse apps that engage in Unfair Debt Collection Practices or harassment.
-
If you experience harassment, we recommend reporting the app immediately to the National Privacy Commission (NPC) and the SEC.
External Links & Third-Party Services
Our Website contains links to external websites (loan app download pages or official websites). We have no control over the nature, content, and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. Use of third-party services is strictly at your own risk.
Affiliate & Advertising Disclosure
To keep our reviews free for the public, secregisteredloanapp.com may participate in affiliate marketing programs. This means we may earn a commission if you click on certain links or sign up for services through our Website. This does not influence our editorial integrity; we aim to provide honest reviews regardless of any affiliate relationship.
Limitation of Liability
In no event will secregisteredloanapp.com, its owners, or contributors be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this Website.
Consent
By using our Website, you hereby consent to our Disclaimer and agree to its terms. If you do not agree with any part of this Disclaimer, you must not use our Website or any of its services
